---
# System prepended metadata

title: '[OBSOLUTE] ~~Consumer Loans Technical Analysis~~'

---

# [OBSOLUTE] ~~Consumer Loans Technical Analysis~~

Aiming to be the basis for all loan product workflows, this analysis is technically prepared to reveal business processes, user interfaces, integration points and data design.

## Definitions

State Machine:
State:
Transition:
Atomic, FlowChart Workflow:
Form:
Page:

## Naming Convention






### Variables 



| Variable      | Description                    | Name Convention                                 | Sample                                      |
| ------------- | ------------------------------ | ----------------------------------------------- | ------------------------------------------- |
| workflow      | Uniques Workflow name          |                                                 | bbk-retail-loan-consumer                    |
| state         | State in workflow              | [workflow]-[state]                              | bbk-retail-loan-consumer-start              |
| transiton     | Transition(s) of state         | [workflow]-[state]-[transition]                 | bbk-retail-loan-consumer-start-init         |
| form          | Input forms of transition      | form-[workflow]-[state]-[transition]-[language] | form-bbk-retail-loan-consumer-start-init-en |
| zeebe-flow    | Zeebe process name             | wf-[workflow]-[state]-[transition]              | wf-bbk-retail-loan-consumer-start-init                                             |
| zeebe-message | Zeebe initalizing message name | msg-[workflow]-[state]-[transition]             | msg-bbk-retail-loan-consumer-start-init                                             |




## State Machine 

CRO : Client Relationship Officer
BM : Branch Manager
CVU : Central Verification Unit
RC : Retail Credit
AGMA : Retail Credit AGM
SGMA : Retail Credit SGM
LS : Loan Supervisor
CQIT : Central Quality Improvement Team


```plantuml

Start --> Draft : Apply

Draft --> Draft: Add Financial Guarantor
Draft --> Draft : Add Non-Financial Guarantor
Draft --> Draft : Delete Guarantor
Draft --> Draft : Cancel Application
Draft --> CRO : Process CI-NET

CRO --> CRO : Additional Information
CRO --> CRO : Cancel Application


CRO --> BM : Send for Approval

BM --> CRO : Reject 
BM --> CVU : Approve
CVU --> CRO : Reject
CVU --> RC : Approve
RC --> CVU : Reject
RC --> AGMA: Send AGM Approval
RC --> SGMA: Send SGM Approval
AGMA --> LS : Approve
SGMA --> LS : Approve
RC --> LS : Approve
LS --> CQIT : Loan Disbursed
CQIT --> Finish : Completed

@enduml

```
:::warning
CI-Net Data schema, sample data and file is required for further analysis.
:::

## States and Transitions

### Start
This is the state where the workflow starts

#### Transitions

##### Init
With this transition, it initiates a loan application for a specific customer.

**[Form Id](https://formio.github.io/formio.js/app/sandbox.html) :** 643cde29f39bc236ba08b20d 

> ![](https://i.imgur.com/YV7Mx37.png)

### CRO

The officer may add a guarantor at this stage until he completes the application. Then the officer submits it to the branch manager's approval.

The officer can add multiple guarantors.

The **CINet Consent Form** is rendered at this stage and signed by the customer. The scanned version of the signed form is uploaded at this state.

:::info
The Document Validation Subsystem is used for document creation, upload, and control. This subsystem integrates with the application process and displays it fluently.
:::


#### Transitions

##### Add Financial Guarantor

**[Form Id](https://formio.github.io/formio.js/app/sandbox.html) :** 643cf88df39bc2e4bb0c0a5c 

> ![](https://i.imgur.com/FMQu1xb.png)


##### Add Non-Financial Guarantor

**[Form Id](https://formio.github.io/formio.js/app/sandbox.html) :** 643cfcc3067675745d60e4e0 

> ![](https://i.imgur.com/Qqb4p5C.png)


##### Delete Guarantor

**[Form Id](https://formio.github.io/formio.js/app/sandbox.html) :** 643d04535b89ca60821a7e7b 

> ![](https://i.imgur.com/IhHaedg.png)

##### Cancel Application

**[Form Id](https://formio.github.io/formio.js/app/sandbox.html) :** 643d11f6556c69c18eb421ff 

> ![](https://i.imgur.com/Sn4OLZx.png)

##### Additional Information

**[Form Id](https://formio.github.io/formio.js/app/sandbox.html) :** 643d1ba1067675762563d7a1 

> ![](https://i.imgur.com/WiP8WBC.png)



##### Send for Approval

**[Form Id](https://formio.github.io/formio.js/app/sandbox.html) :** 643cfe374f97da95c7fd85f2 

> ![](https://i.imgur.com/b1CW497.png)

Transition Zeebe Flow
![](https://i.imgur.com/I1ijYR2.png)